Which card has a lower forex fee: IndiGo Axis Bank Credit Card or HDFC Freedom Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or HDFC Freedom Credit Card?

HDFC Freedom Credit Card has a lower annual fee (₹500 vs ₹799).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. HDFC Freedom Credit Card: Domestic lounge details not available.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank IndiGo vs HDFC Bank Freedom Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank Freedom. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Freedom HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

Reward earning explained

Per card

IndiGo

3 pts / ₹100 on Indigo + 2 pts / ₹100 on Grocery Dining

Freedom

10 CashPoints / ₹100 on BigBasket (domestic) + 10 CashPoints / ₹100 on BookMySh…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank Freedom: ₹500), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs Not specified).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only Axis Bank IndiGo has comparable evidence here. Domestic lounge access is 1 per quarter.

IndiGo: Limited data

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Freedom: ~₹150/month at base rate
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	Freedom HDFC Bank
Lounge Access
Domestic lounge visits Only available for IndiGo Axis Bank	1/quarter	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹500	₹799	₹500
Joining fee ₹799 vs ₹500	₹799	₹500
Fee waiver spend Only available for Freedom	Not specified	₹50,000
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Freedom	Not specified	₹0.15
Point validity Only available for Freedom	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.